| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENJAMIN POMEROY3 | 2300 OAKENGATE LANE MIDLOTHIAN, VA 23113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 3.60% |
| JOHN E CUMMINGS3 | PO BOX 5936 GLEN ALLEN, VA 23058 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $571 | $0 | $571 | 1.02% |
| GAIL STEWART GOLD3 | 11919 SUNFLOWER LANE RICHMOND, VA 23236 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $401 | $0 | $401 | 0.72% |
| STEVEN E MCNAMEE3 | 9208 OAK SPRINGS CT RICHMOND, VA 23229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $362 | $0 | $362 | 0.65% |
| RONALD R PILAND3 | 3515 HOLLINGSWORTH WILLIAMSBURG, VA 23188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $346 | $0 | $346 | 0.62% |
| LAWRENCE KROPP3 | 8800 BOSLEY RD ELLICOTT CITY, MD 21043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | $0 | $81 | 0.14% |
| BEN RUDASILL3 | 499 MARLBOROUGH POINT RD STAFFORD, VA 22554 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | $0 | $77 | 0.14% |
| ARCHIE M KEYS JR3 | 104 NO RAILROAD AVE ASHLAND, VA 23005 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $0 | $27 | 0.05% |
| TIMOTHY S ROSS3 | 5054 LIPPINGHAM DRIVE CHESTER, VA 23831 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 0.04% |
| TRACY HENSON TUTOR3 | 1042 BURSLEM CV CORDOVA, TN 38018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.02% |
| JAMES KENT JACOBSEN3 | 4029 BOREN CT PLANO, TX 75023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.02% |
| AFFORDABLE BENEFITS LLC3 | 101 N LYNNHAVEN RD VIRGINIA BEACH, VA 23452 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 305 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 71 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA INC. | 376 | $10K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA INC. | 371 | $287K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 376 | $37K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 112 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.